An afternoon off.


The time for low tide had come. Mary, though still not well from her cold was dressed for going out, a fleece jacket and black shorts. She had spent most of the day resting, but searching for sea glass has become a recent obsession, and so we set off to the nearby shore line.

The ocean had pulled further back than ever we had seen, well beyond the usual row of beach gravel; a good hundred feet further. The sandy floor had actually raised up a bit and left a pool of sea water trapped, and then further out were dozens of birds racing back and forth with the tide to snatch up sand crabs.

I crossed through the stranded pool and on to the sand that was further out, sometimes my feet sinking a foot or more in the soaked sand. I waved to Mary as I jumped up and down celebrating walking at the very spot where early morning surfers rode waves.

I turned to see the holes left by my feet in the sand were already filling up. That is the one thing about the ocean, it rounds and smooths most everything, whether it be markings in sand, or sharp pieces of beach glass. All eventually are rounded, smoothed, with gaps filled and ridges worn.

Princess and I walk close to the shore. At times an errant wave washes over my feet, I do not mind, but the water is cold. Finding glass so close to waves washing up is a bit trickier than further up the beach. I spot a glimmer of brown or green and must reach for it fast otherwise a wave will wash over it and then I try to follow it up with the tide and then keep an eye on it as the water recedes.

"Is it there?" I think.

No, I lost it.

No point in continuing to look for it. I assure myself, that just as easily as that piece is washed away, another has washed up, and I keep looking.

Today it seems warmer. A bead of sweat falls into my eyes and I use my shirt to wipe it away.

"No breeze!" I realize.

How odd that two days ago there were constant thirty mph winds that blew sand into every crack and crevice, left a fine silt covering on every flat surface, even in the house, and dunes crossing the streets. Yet now; no breeze.

Usually the breeze blows and cools off those exposed to the sun, even on the warmest days, today though, the air is still and I soak up the sun without it.

I catch up with Mary. From our pockets we pull out our new found additions to the sea glass; only a few pieces of blue, mostly brown,some green and lots of clear. No red of course.

Mary and I walk ahead. Sometimes we hold hands, but always watching out for colors in the sand.

"How could I take a picture of this and do it justice?" I ask.

"I suppose you could take it from the back of the beach." says Mary.

The problem with that idea though, is the drop off that the camera would be unable to show in a picture, and beyond that is still another fifty or more feet of sand.

If I took such a panned out picture, how could I also include the close ups of the birds and gravel edges which is where we find most of the glass?

Would the picture tell you how cold the water is as it washes over my feet?

Could one picture explain how a piece of brown glass in the right sunlight looks red, and how our heart races with excitement, until it is held up in the sunlight and is only brown?

Could one picture do all that?

Maybe this short post will.

401k rollover

It has been a year since leaving my permanent hospital job in the Ozarks, and every three months I receive a statement regarding my 401k account. Now I am just the kind of person to leave things as they are, not because of patience on my part, but more like a severe case of procrastination.

I have no idea how many travel companies I will be working with in the future; I love the one I'm working with now, but most likely I will have a handful over the next several years. The idea of leaving a trail of 401k plans tagging along and multiple quarterly mailings to keep track of sounded less appealing than even my procrastination could stand.

So I finally made the phone call to the company holding my plan and learned how to make the rollover into an IRA. The rep on the other end of the phone walked me through filling out the form correctly. He also gave me the name and phone number of the plan administrator, an employee at the hospital. I then called her for the fax number and sent the papers her way, where she signed them off and forwarded them to the holding company.

I elected to have a check sent directly to the IRA broker so as to prevent a heavy tax penalty and the deposit was made. All told, it was only about fifteen minutes to accomplish and was completed in about two weeks.

I have a separate IRA which is a Roth that I make monthly contributions to; but the traditional IRA I keep just for rollover funds. Now I have a way to keep all those past and future plans in one easy account and only one quarterly statement to keep track of.

Travel Nurse Pay

Recent friends at our Halloween Party

Mary and I love to invite acquaintances over to the beach house. Actually we make acquaintances out of complete strangers. They may slow down and admire the wall surrounding our courtyard (if you haven't seen pics of it click here) and Mary invites them in for a tour, or they are strolling along the beach and we start a chat and end up sharing cool drinks around the fire pit. We enjoy making new friends.

After seeing our home and the multimillion dollar house across from us, I am often asked how much does a travel nurse make.

Without giving a dollar per hour amount I explain about taxable income verses the nontaxable travel stipend, but I also share about Mary's and my outlook on the travel lifestyle.

One lure travel companies use is the high salary and tax advantage programs available for travel nurses. The prospective nurse then figures how much better their weekly paycheck will be as compared to the take home pay from the local hospital. With calculator in hand, they estimate how much debt can be eliminated over the next three, no six months and then they will finally be free.

I recall a story I heard a few years ago of the nursing couple who had the goal to pay off their home mortgage in two years by working travel assignments together. To save even more money they decided to live in a fifth wheel trailer rather than apply the nontaxable stipend to an apartment.
Sound like a great plan so far?

Here is what ended up happening. They did not own a trailer so they purchased a new one and a year later decided their first pickup wasn't large enough to pull it, so they bought a new model. Then the cramped space was not practical for their box TV and so purchased a large flat screen (remember this was a few years ago when they were still expensive).

The story ended up that after a year the couple had payed nothing extra on their home mortgage and were now more in debt than they were when they began. How sad.

I have also heard of nurses, desperate for extra income, travel to high paying assignments and work extra hours for the overtime pay while sharing an extended stay hotel room with a nurse working the opposite shift. No doubt they earn great pay.

My question is; what are they going to do with it?

Perhaps their reasons are legitimate; it is possible that things such as medical crisis can put a crunch on family budgets.
Here is my take though. If you are using travel pay solely for the purpose of inflating your personal budget, you may be walking down a very disappointing path.

Missing out on your family and friends while spending long hours at work just to increase your pay is costing you time that can never be replaced. On your days off; when you take one, you will find little solace in being away from the ones you care about.

I often wonder if those who complain most about travel nursing, perhaps started their venture with misplaced assumptions and then blame inhospitable staff. Perhaps nerves would not be so edgy if the stress to make over extended bill payments were not so real.

Each nurses' experience is unique of course, but I know that when combining stress of extra hours with separation from love ones, you lose that sense of connectedness and are set up for failure. Is extra money worth it?

If extra pay is your only goal, I suggest reconsidering travel nursing.

Mary and I actually set and accomplished the goal of being debt free before we started travel. I have written about how to achieve this in an earlier post (click here).

When I talk to a recruiter about a travel assignment I make it clear that I am more interested in a positive assignment experience than the size of my paycheck.

Even after explaining this I am surprised how many recruiters continue the conversation about how great the pay will be. One recruiter even had the nerve to say that I can endure anything for just thirteen weeks for this great pay. What audacity!

My posts will continue to be about how to enjoy the travel experience by learning how to maximize your assets of money and time spent in wonderful places.


Exciting Travel Housing


"Where did you find your house?" asks a fellow travel nurse excitedly.

She had recently been on this blog and checked out the new one dedicated to just pictures; Gary and Mary Photos. There she saw pictures of the beach across the street from our house, the oddities of the fence surrounding the courtyard with fire pit and the uniqueness of the home itself.

"It's not hard finding housing on your own," I told her; "but it does take some effort".

The owner of the property is a "hand shake" kind of guy, and usually just posts a large "FOR RENT" sign on the front gate. Had not something different happened, Mary and I would never have found the place.

This time the owner's son opted to place an add on www.craigslist.org where we kept daily viewing the new posts, and were actually the first to respond.

After viewing the property we made a point of sitting down with the owner and just having a talk with him, a chance to allow him just to get to know us. The owner received several more calls on the property, but rented to us.

Most all travel agencies for nurses provide housing arrangements and many times they prove adequate, clean, and safe, as well as convenient. If those are your main requirements then by all means that would be your way to go.

Yet if you desire that memorable experience with a once in a life-time opportunity to enjoy exciting locales I would suggest trying it on your own.

Our search first began with online resources looking up corporate housing and short term lease apartments but we found those to be too expensive. Of course, Craigslist is a popular resource but often times the leads were not reliable, also the time frame was just a small window from post time to move-in date, usually two weeks or less.

If you are looking for housing near beaches, lakes, resorts or any type of vacation areas your best option may be to check out vacation homes, especially during the off seasons. The Channel Isle area where we are currently staying offers some of the best winter time access to the beaches yet still favorable weather.


While looking for vacation home rentals here are a few for you to check out. www.homeaway.com
www.VRBO.com
www.zonder.com

The first two sites, I believe are owned by the same company and are very easy to use, while Zonder.com is too, it doesn't have the same extensive listings.

Keep in mind that these homes are usually in the most optimal of areas, so you are paying a premium. They are, however a great starting place to learn about the area as far as housing cost, peak travel seasons and housing availability.

Good luck on finding your next home.

More Pictures!

Tired of just reading text on this blog?

Wish there was more pictures?

You can always catch up with my travels and personal stories at Garys Travels but if its just pictures you're interested in I have started a new page.

Just click here.

Hawaii Delayed?

Mary and I like our new home on the beach. Locals have been telling us how nice the winters are here and we would be leaving during some of the best months. "It's spring when the June Gloom sets in that you will want to leave." so they say.

Furthermore we are still continuing to build our savings and Hawaii will cost us money. So we are considering staying through March before leaving for the Islands.

So on the small scale of our plans it appears that we are having trouble making up our minds, but on the larger scale the travel plans remain the same; except for one particular thing. Let me explain.

Our whole intention of travel nursing was to enjoy different locations during their prime season. That would rule out northern climes during the winter, and most likely southern climes during the summer, or even gulf locations in hurricane season.

When we locate to a place as wonderful as the beach house we're now in, why not enjoy it without feeling rushed? Why get to the next location just for the sake of trying something new?

The main challenge to this of course is that we are no longer going to the work, but asking the work to come to us. That may not pay off, and so we will place Hawaii as a contingency for now and hope that three more months of employment will come our way at the beach.

So I began by suggesting an exception to our larger plans, what might that be?

I don't foresee five years being long enough to travel and accomplish all that awaits us, and we may have to extend that time before settling down again.

"How long?" you might ask.

We'll see.

Why Travel Nursing


This month marks the one year anniversary of my nursing director in a small town hospital calling a staff meeting to inform us that the CEO demanded budget cuts in our staffing.

As a result, he cut the “weekend option staff”, of which I was one, resulting in a thirty percent cut in pay.

Later that day I remember him asking who would be the first people to leave. “Me!” I responded, and within just a few months so did over ninety percent of the day shift; including that same director.

This was the catalyst for the change in my nursing career but it certainly wasn’t the reason. I had already made up my mind to be a travel nurse but had intended to wait another year before my departure.

So what are the reasons that a nurse might take up travel? I am sure you can find lists pasted all over the internet, but I am going to attempt answering this question of why to take up travel nursing by describing who a travel nurse might be.

You have an opportunity radar.

My last day at that small hospital cutting the weekend position was the day before the cut in pay was implemented. I refused to accept the gloomy circumstances presented by the nursing director and hospital CEO.

Instead I believed that if opportunity was removed at that small town it must be available somewhere else. I left that hospital to work an agency position in a town no further away from my home that paid considerably more money.

I then accelerated my time frame to begin travel nursing. Since then, I understand that the second nearby hospital I worked at implemented staffing cuts as well.

A travel nurse can sense opportunity and is willing to make adjustments to seize them.

You have broken your attachment to the material life

I have heard of nurses lured by the pay of travel nursing to take positions in order to “catch up on bills”, only to discover they remain in the same rut.

Yesterday, Mary and I were shopping at a wholesale club store stocking up our pantry when we came across a laptop computer nicer than ours just purchased this spring, and for half the price. We stood there several moments evaluating the benefits of each of us having a computer rather than sharing. Not to mention it was such a good buy!

The laptop remained at the store, because here is the bottom line; what you buy has to be carried with you or left behind. Filling your closets and stuffing every purchase somewhere isn’t an option.

If you are a person who has detached from that “I gotta have it” mentality then you would make a candidate for travel nursing.

You believe that life is to be lived now.

It will be difficult to make it out your door to the first assignment if you don’t have this mentality. Delayed gratification, and plans to travel someday will keep you home, but if you have that sense of urgency, travel nursing could be for you.

Many people questioned me regarding retirement plans if I travel but my reply was that I will stay put and rest in retirement when I am tired of travel.

The need to travel gets in your blood and the desire to see what’s on the other side drives us. We are not looking for greener grass, but rather a new view of the sunrise.

Travel nursing puts you in the “now moment”. It doesn’t matter what kind of charting you did at your last assignment, you chart like the current hospital wants you to. Perhaps driving your car might be the best transportation in one city, riding the subway in another.

Except as an oddity, locals are not interested in what you did at another location, what matters is that you can adapt to what is going on now.

You are not a control freak.

I am a creature of habit, and living and working out of my routine element has been my largest stressor.

People who feel the need to control on the micro level would definitely have problems with travel nursing.

Sure there are things on a larger macro level that can be controlled while traveling, but there are just too many variables on the smaller scale. Simple things that I once took for granted just don’t always apply while traveling.

Many people admire the freedom of the travel lifestyle but with it come the unseen cost of not always being in control.

This is an element that recruiters won’t tell you about, nor will you see it on travel company brochures. There are two sides to the freedom to travel coin and I strongly suggest considering the cost side as well.

These four considerations didn’t really appear on my decision list when I thought of travel nursing yet now that I have been out there I strongly suggest putting them on yours.

Here’s to hoping they help.